Stacking The Deck Against Student Loan Debtors By Alan Pyke "How A Private Company Stacked The Deck Against Student Loan Debtors" After two decades of work, the company tasked with collecting payments on government-financed student loans from borrowers who declare bankruptcy has helped create a system that treats student debt far more harshly than other borrowing. The company’s zeal for the task has led it to hound cancer survivors and other unfortunate, hard-working souls, and has reshaped the relationship between student loans and bankruptcy law in ways that exacerbate the country’s trillion-dollar student loan problem. Congress created the Educational Credit Management Corporation (ECMC) indirectly in the early 1990s when it sought to tackle the high rate of default on student debt by giving the Department of Education (DOE) “a set of unprecedented collection tools” such as garnishing wages and tax rebates, the New York Times explains.
Rule of Thirds The Rule of Thirds is perhaps the most well known principle of photographic composition. The “Rule of Thirds” one of the first things that budding digital photographers learn about in classes on photography and rightly so as it is the basis for well balanced and interesting shots. I will say right up front however that rules are meant to be broken and ignoring this one doesn’t mean your images are necessarily unbalanced or uninteresting. However a wise person once told me that if you intend to break a rule you should always learn it first to make sure your breaking of it is all the more effective! What is the Rule of Thirds? Find the Best Digital Cameras Ratings and Reviews Buying Guide Introduction:Digital cameras have come along way over the years, from something that was very expensive and considered a luxury to the point today that they are so affordable that pretty much everyone has one. They can be found in numerous shapes and sizes, and even integrated into our portable devices. It has come to the point where almost everyone has some sort of digital camera on their person at all times. With the popularity of online image sites and video sites, everyone is taking pictures and videos constantly hoping to get their 15 minutes of fame, or to just share with friends and family. It's not commonly known but the first digital camera was developed in 1975 by an engineer at Kodak, but it took until 1990 to perfect the technology to bring a digital camera to the consumer market.
50 Illustrator Tutorials Every Designer Should See Adobe Illustrator can be a little tricky to get your head around, particularly after getting used to the workflow of applications such as Photoshop. The differences between layer use and the creation of objects and shapes can be really strange at first hand. Luckily there’s a range of help available for free online in the form of tutorials. Here is my collection of hand-picked articles from various sites that every designer should see, whether you’re a beginner or advanced user, there will be something here for you! Vector Tracing a Photo Aperture and Depth of Field Depth of Field Depth of Field (DOF) is the front-to-back zone of a photograph in which the image is razor sharp. As soon as an object (person, thing) falls out of this range, it begins to lose focus at an accelerating degree the farther out of the zone it falls; e.g. closer to the lens or deeper into the background. With any DOF zone, there is a Point of Optimum focus in which the object is most sharp. There are two ways to describe the qualities of depth of field - shallow DOF or deep DOF.
College For Free? The cost of higher education is inflated due to our current funding model. Countries all around the world provide higher education at affordable costs. Image: Tax Credits Photo Manipulation by Hugh Kretschmer - Art People Gallery He playfully visualizes scenes and provides literal interpretations, with a little photo manipulation, of ideas like an “enveloping sea” which features a sea of actual envelopes. Kretchmer’s work is teeming with puns that take you out of your comfort zone and and awaken the mind. Without knowing the title of each witty image, a sort of game is created where the spectator tries to pinpoint what idiom or idea Kretschmer is creatively translating. For Men’s Health Magazine and an article on embracing death as much as life.
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20 Very Useful Photography Tips And Tricks The summer is here so now is the perfect time to make a lot of photos. If you want to look like a professional photographer, then you must enhance your pictures. Take a look at this article because here you will find 20 very cool tutorials which will help you transform an average photo into a work of art. Forum Network The Forum Network is a public media service of WGBH that collects thousands of video and audio lectures from the world's foremost scholars, authors, artists, scientists, policymakers, and community leaders, made available to the public for free. Lectures hosted on The Forum Network are presented by community organizations and educational institutions from the Boston area and beyond. From science to the humanities, from local to global topics, The Forum Network is committed to providing outstanding educational content for lifelong learners, and to encouraging deeper understanding and civic engagement around the vital issues of our time. Major support for Forum Network is provided by The Lowell Institute, an organization created to carry out the 1836 bequest of John Lowell Jr., to make free public lectures available to the citizens of Boston and beyond. A greater collection of videos can be found on our YouTube channel.